JAN ROM
ActiveJAN ROM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €-7k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 91% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-22
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.91 against 7.3 in 2024; short-term debt: 13.9% and cash: 18.8% of total assets), and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
14 d early
2023
41 d early
2022
4 d early
2021
30 d late
2020
30 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 7.1%
2024 · €104k
2018: €69k
2019: €84k
2020: €95k
2021: €110k
2022: €119k
2023: €103k
2024: €104k
2018 → 2025
Total assets
€112k▼ 6.3%
2024 · €120k
2018: €94k
2019: €94k
2020: €121k
2021: €137k
2022: €151k
2023: €132k
2024: €120k
2018 → 2025
Net result
€-7k
2024 · €806
2018: €-15k
2019: €15k
2020: €11k
2021: €15k
2022: €9k
2023: €-15k
2024: €806
2018 → 2025
Working capital
€93k▼ 6.7%
2024 · €99k
2018: €69k
2019: €68k
2020: €82k
2021: €100k
2022: €112k
2023: €97k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€119k▲ 7.7%€103k▼ 12.9%€104k▲ 0.8%€97k▼ 7.1%
Operating result€16k-€5k▼ 64.8%€-17k€38€-8k
Net result€15k-€9k▼ 44.8%€-15k€806€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €38 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€4k▼ 15.3%
Current assets
€108k▼ 5.9%
Equity and liabilities €112k
Equity
€97k▼ 7.1%
Debt
€16k▼ 0.6%
The debt ratio rises from 13.2% to 13.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €1k
Cash flow
€-7k▼
2024 · €2k
Solvency
86.1%▼
2024 · 86.8%
Current ratio
6.91▼
2024 · 7.30
Quick ratio
2.78▼
2024 · 3.30
Debt / equity
0.16▲
2024 · 0.15
ROE
-7.7%▼
2024 · 0.8%
ROA
-6.6%▼
2024 · 0.7%
Interest coverage
-4.22▼
2024 · 1.62
Debt
€16k▼
2024 · €16k
Debt ≤ 1 year
€16k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€120k€112k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€569€306▼
Financial fixed assets28€330€330=
Current assets29/58€115k€108k▼
Stocks and contracts in progress3€63k€65k▲
Stocks30/36€63k€65k▲
Amounts receivable within one year40/41€11k€21k▲
Trade receivables40€10k€11k▲
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€40k€21k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€120k€112k▼
Equity10/15€104k€97k▼
Contributions10/11€19k€19k=
Reserves13€58k€58k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€27k€20k▼
Amounts payable17/49€16k€16k▼
Amounts payable within one year42/48€16k€16k▼
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Advances received on contracts in progress46€4k€4k▼
Taxes, remuneration and social security45€0€3k▲
Taxes450/3€0€3k▲
Other amounts payable47/48€629€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€744▼
Other operating charges640/8€0€2k▲
Gross operating margin9900€1k€-5k▼
Operating profit (loss)9901€38€-8k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€684€2k▲
Recurring financial charges65€684€2k▲
Profit (loss) for the period before taxes9903€806€-7k▼
Profit (loss) for the period9904€806€-7k▼
Profit (loss) for the period to be appropriated9905€806€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€20k▼
Profit (loss) brought forward from the previous period14P€27k€27k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €806
Net result €806 after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼280%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €15k ▲40.7%
Operating result €16k, net result €15k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲16.3%
3 profitable years in a row build equity to €110k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Karmelietenstraat 21000 BrusselGround area
326 m²
Building footprint
305 m²
Volume, LiDAR
3,552 m³
Parcel 21808H1865/00N000, Brussels · tallest building 20.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Karmelietenstraat 2, 1000 Brussel
since 20012.098.545.213
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1865/00N000 | Brussels | 325 m² | 1 · 305 m² | 20.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
AFILO
BE 0471.549.563
Brussel · Eq €97k
Smartcomfort
BE 0737.660.353
Bocholt · Eq €97k
Fiore design
BE 0704.937.206
Zwevegem · Eq €97k
DECORLYNN
BE 0641.833.360
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INTERCLASS
BE 0426.666.871
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-10-2001
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.